Urgent advice needed, car fraudulent company

Chippy_Minton wrote: »

Ok, so when did you get the Hire Agreement and what is the name of the company the agrrement is with? Is it a different company?

The agreement is with Auto Dealer direct Ltd

LandyAndy wrote: »

This is the trading address given on my credit reference agency check

Regency House, Westminster Place
York Business Park
York
YO26 6RW

No phone nuimber.

It does state that the company did not trade in the year to 30/04/09 although it was called Spotland Communications until May this year so I presume it has just started trading.

The director is listed as

Mohammed Ameen

his address

Apartment 60, Freshfields, Spindletree Avenue, Manchester, M9 7HQ

Thank you so much for this information

Hi I think I have found a way to reclaim my money from the banks, here is a letter I recieved from a friend.


They should state as the cheque is guaranteed by the visa debit card, then the charge back rules should still apply.
All Visa debit and credit cards are covered by its chargeback rules, so you can claim your money back for the same reasons as Section 75, for example, if goods aren't delivered or aren't as they were described.
Visa Europe said: "Visa chargeback regulations allow banks to recover money paid on all Visa debit, credit and prepaid cards from the retailer's bank, if goods or services are not delivered or are not as specified."
[insert name and
address of your bank]
Dear Sir or Madam,
Account number: [insert visa card number]
Ref: Visa Chargeback
[Use this section if the company has gone into administration or delete]
I am writing to request that under your Visa Chargeback rules you reimburse me the value of [enter amount] as paid to [enter company name] for a [enter item purchased] on [enter date] with my Visa debit card.
My claim is made on the grounds that the company has gone into administration.
[Use this section if you have a faulty good or delete]
I am writing to request that under your Visa Chargeback rules you reimburse me the value of [enter amount] as [select from full payment for / partial payment towards] a [enter item purchased] I paid for with my Visa debit card to [enter company name] on [enter date].
My claim is made on the grounds that the item purchased was faulty and I have been unable to resolve my complaint with the supplier.
[Use this section for all letters]
I look forward to a full and prompt response to this letter within 14 days.
Yours faithfully,
[insert your signature]
[insert your name (printed)]
　
　
　
Credit & Debit Card Fraud
Whenever a transaction is made with a debit or credit card, the cardholder has certain rights when it comes to reclaiming the money that was paid if there is good reason; this is called a "chargeback" and it is the business that is forced to pay back the money.
If a cardholder disputes a transaction it is first advisable for them to speak to the business/person that they paid. If an agreement is not made between them, the cardholder should next speak their card issuer. The card issuer can then go about performing a chargeback for that transaction. A chargeback can occur for a number of different reasons, such as:
The cardholder claiming that they have not received the goods or services paid for.
The cardholder claiming that they have been charged multiple times.
The cardholder claiming that they neither participated in nor gave authorisation for the card to be used.
How does Chargeback work?
Complain to your bank not more than 120 days after realising there’s a problem, and ask to dispute the transaction. Your bank can then put the procedure in motion to claim the money back from the supplier’s bank.
At this point, the onus is on it to get the money back if a transaction hasn't been adequately completed and you should get a refund. Importantly, as it’s asking for money back from the supplier's bank, not the supplier itself, that means the money should come even if the supplier itself has gone bust.
Again, it's worth noting most bank staff really won't know about this procedure, so you may need to explain it to them.
If you’re told to put your request in writing here’s a template letter to help:
The removal of cheque guarantees on debit cards will begin much earlier than expected as some Abbey customers will lose the capability from next month.
More than half of banking staff do not understand how long it takes for a cheque to clear, it was revealed today.
.
>> Safer savings
A mystery shopping exercise carried out by the Banking Code Standards Board found that only a third of bank and building society staff knew it took six days before consumers could be confident that a cheque paid into their account could not bounce.
The board said the results, which were worse than when a similar exercise was carried out in 2008, were 'disappointing' and it called on the industry to make improvements.
Payments group APACS recently introduced a 'two, four, six', standard to help consumers understand how long cheques take to clear.
Under the rule, people begin to earn interest on a cheque two days after it has been deposited, while they can withdraw the money after four days and be confident that the cheque cannot bounce after six days.
But the research found that only 42% of bank staff who dealt with customers knew that interest could be earned after two days, while just 50% knew the money could be withdraw after four days.
The biggest area of confusion concerned when a customer could be confident that the money was theirs, with only 33% of bank staff knowing a cheque could not bounce after six days.
Overall, only three out of the 10 banks and nine building societies looked at were given green assessments, compared with 10 when the research was last carried out.
Nine of the providers received amber reports and eight were given red ones, up from seven in 2008.
Robert Skinner, chief executive of the Banking Code Standards Board, said: 'It is clearly disappointing that, despite the concerns raised in our last report, we have found customer facing staff, in the majority of cases, unable to provide clear and accurate information to customers on the cheque clearing cycle.
'Our review did not indicate that large numbers of customers are being financially disadvantaged as a result but the industry clearly has work to do in improving the knowledge of front line staff.'
He added that the board had made a number of recommendations to the industry and it would be monitoring the action plans produced by firms where shortcomings were identified.
But a review of how banks and building societies handled customer claims for refunds on unauthorised card transactions produced better results.
The board said its review of 11 current account and card providers found the majority of disputed transactions were refunded quickly and customers were not expected to produce unreasonable levels of proof to support their claim.
The Banking Codes are voluntary codes that set out good standards for banks and building societies.
　
SAVINGS SAFETY
We explain how to make sure all your savings are covered by compensation.
>> Safer savings
The Payments Council, which polices payment services in the UK, announced recently it will withdraw the cheque guarantee scheme by mid-2011, which could have a serious impact on sole traders that rely on the guarantees.
For example, if an emergency plumber accepts a cheque for their services, they can check if it is guaranteed against the payee's debit card and will receive up to £250 from the payee's bank even if they do not have the funds to pay.
However, the Council believes that banks have already started to phase out debit cards carrying cheque guarantees.
Abbey confirmed to This is Money it will began to phase out cheque guarantees for those customers whose cards have expired from next month.
It is unclear which banks will follow suit, although the Payments Council said it plans to issue an exact deadline for the complete removal of cheque guarantee cards and possibly a list of when each of the main UK banks intend to begin phasing them out later this month.
A spokesman for the Payments Council said 'alternatives' would be in place for sole traders by the time the scheme was finally phased out in 2011.
However, none are currently in place. If a sole trader is currently presented with a debit card without a guarantee, they will be forced to take on the risk themselves, or demand payment in cash.
The news follows an announcement by HSBC last month, which is reducing the guarantee limit for approximately 300,000 of its customers from £250 to the standard £100 guarantee. Approximately 88% of all cheques in the UK have a £50 or £100 guarantee limit.
The withdrawal of the national cheque guarantee scheme, which has been in place since 1969, mirrors the decline in cheque use in recent years: last year, just 7% of all cheques used were backed by a guarantee card, and just 3% of High Street and online spending involved cheques.
Sandra Quinn, from the Payments Council, said: 'We became aware that there were less cheque guaranteed debit cards in circulation and that this caused a problem for those accepting the cards during payments.
'For instance, if some were guaranteed and others weren't, people might get confused and think they were all able to guarantee cheques. The reason why we brought in this concerted withdrawal was to make it much simpler for everyone.'
What to do when accepting a guaranteed cheque...
• Always look for the Shakespere hologram – all cheque guarantee debit cards carry a Shakespere-related hologram on them
• Make sure the cheque does not carry a warning say it should not be used in conjunction with a cheque guarantee card
• Check the person presenting the card matches the name on the card
• Make sure the payee records the debit card number on the back of the cheque, not you.
• If the words 'code number' appear on the card, ensure this number matches the 'sort code' shown on the cheque